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    jsp.display-item.identifier=請使用永久網址來引用或連結此文件: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/114192

    题名: 長期照顧保險與信託制度之研究
    其它题名: A study of long-term care insurance and trust system
    作者: 陳信宏;Chen, Hsin-Hung
    贡献者: 淡江大學保險學系保險經營碩士在職專班
    关键词: Insurance Trust;Long-term care;Long-Term Care Insurance;Trust System;長期照顧;長期照顧保險;保險金信託;信託
    日期: 2017
    上传时间: 2018-08-03 14:44:35 (UTC+8)
    摘要: 國人平均壽命逐年增至80歲,但活的長壽卻未必活的健康,多數人一生中平均有將近10年會因癱瘓、失智等病痛所苦,不僅影響生活品質,亦對家庭照顧者造成負擔。社會經濟環境變遷使得生育率低落,進而造成家庭型態的轉變,人口結構老化更為快速,突顯了老年照顧、安養與醫療的重要性。
    While the median longevity of the populace of Taiwan is approaching 80 years old, this does not mean that such longevity is associated with a healthy life, as a majority of people suffer an average of nearly ten years of bedridden convalescence, dementia or other troublesome diseases which affect not only the quality of life, but also create burdens on family caregivers. As the changing socioeconomic environment has meant a decline in birth rates, resulting in changing family types, and a rapidly ageing society emerging in the population structure, the importance of eldercare, convalescence and healthcare have become apparent.
    Insurance trusts are a financial services product combining the features and functions of “insurance” and “trusts”, so this study’s purpose explores how to deploy the trust system as interconnected with the long term care insurance and caregiving service resources, thereby realizing the capabilities of trusts and insurance.
    The study findings indicate that the insurance policy compensation mode for death or total disability, are mostly cash payments, while “long term care”, besides cash payments, requires interconnection with the relevant care resources. A trust can help resolve the current insurance policy compensation system limitation to cash payment modalities, but at present can ensure in the present stage of development the provision of care requirements with appropriate resource guidance and a means of delivering all the services needed.
    The study recommendations are as follows: 1. Amend the Insurance Act, to expand the scope of insurance trusts, while concomitantly appropriately adjusting the qualifications conditions for insurers engaging in insurance trust operations, or provide relevant subsidies and stimulus measures to encourage the insurance industry to enhance the operating space in these services. 2. Expand trust operators ability to deploy services beyond the existing scope of the Trust Act, from the traditional cash financial trust management so as to interconnect with care service resources.3. Deploy incentive measures to encourage establishment of professional (operators) trust firms, focused exclusively on a trust operations business type, which are able to provide trust beneficiaries with financial and life care planning.
    显示于类别:[風險管理與保險學系] 學位論文


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